Pay your Affinity loan or credit card
Conveniently pay your mortgage, credit card, auto or personal loan with your Affinity account, or use one of the alternative options listed below.
Pay with your Affinity checking or savings account
Need a simple way to pay? If you have an Affinity checking or savings account, transferring funds to pay your loan is easy. Just sign in to your Online Banking account and use the 'Pay & Transfer' option.
Don't bank with Affinity?
Make a one-time payment
Use a non-Affinity account to make a one-time payment for your Affinity credit card or loan.
(There is a $4.99 convenience fee for using this service.)
Avoid the convenience fee
Sign up for Online Banking. Plus, set up recurring payments, get alerts, and view payment history.
(You will need your social security and member number.)
Other ways you can pay.
Pay via phone
You can make a one-time payment via phone from your checking or savings account.1
To pay by phone, please call 855.208.5086
Para español 855.208.5087
Pay via check
Mail your loan payment to:
PO Box 70100
Newark, NJ 07101-0070
Alternatively, you can drop off at any Affinity branch
Having trouble making your payment?
At Affinity, we offer a range of resources to help you manage financial hardship, including credit counseling services, loan payment support, and free on-demand education.
Learn MoreWhat happens if my credit card payment is late?
If your credit card payment is more than five days past due, a late fee will be charged, and your card will be temporarily unavailable for use until the past-due payment is made. If the payment is 30 days past due, your account may be reported to the credit bureaus, which could impact your credit score.
How can I pay off my loan?
Paying off your loan can help you save money on interest payments over time and improve your financial wellbeing by reducing your debt burden and increasing your financial flexibility.
Personal and Debt Consolidation Loans
- Pay off loan using an Affinity Account:
- Log in to Online or Mobile Banking.
- Navigate to Pay & Transfer > Internal Transfers
- Select the From account, the Loan you want to pay off, and then under "I want to" select Pay in full and close (for mobile app, it will be Type of payment).
- Pay off loan using a non-Affinity Account:
- Please call Affinity to speak with one of our Member Service representatives
Auto Loans, Mortgages, and Home Equity Line of Credit:
- Please call Affinity to speak with one of our Member Service representatives or use Secure Messaging within Online and Mobile Banking.
To access Secure Messaging
- Online Banking: Log in > More > Contact Us > Secure Email & FAQs > + New Message
- Mobile Banking App: Log in > More > Contact Us > Secure Email & FAQs > + New Message
How can I change my payment due date?
Log in to Online or Mobile Banking, and navigate to:
Self-Service Center > Request Center > Loan Service Request > Loan Due Date Change
Please note, the following applies:
- Loan(s) must be current.
- The request can be submitted by any signer/borrower on the loan.
- Only one due date change is allowed within a 12-month period.
- Your current payment is still due on the original due date you see on your most recent statement. Your new due date will start on the next billing cycle and will appear on your next statement.
- Lines of Credit, Credit Cards, Mortgages, Business Loans, and Lease Loans are not eligible.
Why has my payment increased?
- Auto loans:
- Collateral Protection Insurance was added for lack of submitting insurance coverage. You can provide your proof of insurance by asking your insurance provider to fax the Declaration Page to 800.713.0259 for Auto or 800.713.0256 for Homeowner/Hazard Insurance. You can email the insurance verification to docsend@fmq.alliedsolutions.net. If you have other questions, please call our Insurance Service Center at 800.998.0763. You may be entitled to a refund of the force placed insurance with your proof of insurance.
- Interest rate adjustment because title has not been submitted with AFCU as lienholder within 90 days of financing
- Mortgages:
- There was a change in escrow amount due to property tax adjustment or insurance adjustment.
- All loans:
- Late fees added
- Variable interest rate adjustment
How do I request a payoff letter for my loan?
Log in to Online or Mobile Banking, and navigate to:
Self-Service Center > Request Center > Loan Service Request > Payoff - Consumer/Mortgage Loans > Select Loan > Select Date > Print/View Letter
Set up recurring payments
Bid farewell to the stress of remembering to pay your Affinity credit card or loan each month!
1 Log in to Online Banking
2 Select Pay & Transfer > Internal Transfers
3 Complete Form and Select Repeat Transfer
4 Click Make Transfer to Save
Log in to the Mobile Banking App
Select Pay & Transfer > Internal Transfers
Select Schedule > Schedule a Transfer
Complete Form and Click Schedule to Save
Why automatic payments are a smart financial move
Setting up automatic payments offers a convenient and efficient solution, along with providing you numerous other benefits.
Automatic vs. manual payments: weighing out the pros and cons
With the advent of technology, borrowers have two primary options for making their payments: automatic payments and manual payments.
Paying your mortgage early: top benefits and strategies
By paying your mortgage ahead of schedule, you can enjoy financial freedom, save money on interest, and secure your financial future.